NASDAQ:CZFS Citizens Financial Services (CZFS) Stock Price, News & Analysis → top AI stock (it’s not MSFT, GOOGL, AMZN or AAPL) (From Traders Agency) (Ad) Free CZFS Stock Alerts $43.43 -1.07 (-2.40%) (As of 10:53 AM ET) Add Compare Share Share Today's Range$42.51▼$43.4350-Day Range$40.77▼$50.0452-Week Range$40.71▼$92.00Volume3,743 shsAverage Volume6,093 shsMarket Capitalization$204.56 millionP/E Ratio11.10Dividend Yield4.51%Price TargetN/A Stock AnalysisStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestSocial MediaStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestSocial Media Get Citizens Financial Services alerts: Email Address Citizens Financial Services MarketRank™ Stock AnalysisAnalyst RatingN/AUpside/DownsideN/AShort InterestHealthy0.57% of Float Sold ShortDividend StrengthStrongBased on Four FactorsSustainabilityN/ANews Sentiment0.37Based on 4 Articles This WeekInsider TradingAcquiring Shares$19,200 Bought Last QuarterProj. Earnings Growth6.77%From $6.65 to $7.10 Per ShareSee Full Details Hide Full Details Overall MarketRank™New Rank-Based ScoringMarketRank™ is calculated by averaging available category scores (with extra weight given to analysis and valuation), then ranking the company's weighted average against that of other companies.3.47 out of 5 starsFinance Sector419th out of 855 stocksState Commercial Banks Industry100th out of 179 stocks N/A Analyst's Opinion Consensus RatingThere is not enough analysis data for Citizens Financial Services. Previous Next 4.0 Short Interest Percentage of Shares Shorted0.57% of the float of Citizens Financial Services has been sold short.Short Interest Ratio / Days to CoverCitizens Financial Services has a short interest ratio ("days to cover") of 4.1.Change versus previous monthShort interest in Citizens Financial Services has recently decreased by 23.55%, indicating that investor sentiment is improving significantly. Previous Next 3.3 Dividend Strength Dividend LeadershipCitizens Financial Services is a leading dividend payer. It pays a dividend yield of 4.40%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthCitizens Financial Services has only been increasing its dividend for 3 years.Dividend CoverageThe dividend payout ratio of Citizens Financial Services is 50.09%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Citizens Financial Services will have a dividend payout ratio of 27.61% next year. This indicates that Citizens Financial Services will be able to sustain or increase its dividend. Previous Next N/A Sustainability and ESG Overall ESG (Environmental, Social, and Governance) ScoreThere is no current Upright™ data available for CZFS. Previous Next 1.9 News and Social Media Coverage News SentimentCitizens Financial Services has a news sentiment score of 0.37. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.50 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 4 news articles for Citizens Financial Services this week, compared to 0 articles on an average week. Previous Next 1.7 Company Ownership Insider Buying vs. Insider SellingIn the past three months, Citizens Financial Services insiders have bought more of their company's stock than they have sold. Specifically, they have bought $19,200.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 5.90% of the stock of Citizens Financial Services is held by insiders.Percentage Held by InstitutionsOnly 22.49% of the stock of Citizens Financial Services is held by institutions. Previous Next 2.5 Earnings and Valuation Earnings GrowthEarnings for Citizens Financial Services are expected to grow by 6.77% in the coming year, from $6.65 to $7.10 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Citizens Financial Services is 11.10, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 139.24.Price to Earnings Ratio vs. SectorThe P/E ratio of Citizens Financial Services is 11.10, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 59.35.Price to Book Value per Share RatioCitizens Financial Services has a P/B Ratio of 0.73. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities. Previous Next See Top Rated MarketRank™ Stocks Here Ad Traders Agencytop AI stock (it’s not MSFT, GOOGL, AMZN or AAPL)AI was by far the biggest tech investing trend right now. But Ross Givens says the #1 artificial intelligence stock[/lin] is NOT Microsoft, Google, Amazon or Apple. Nope — his research is pointing to a tiny, under-the-radar stock that’s trading for just a few dollars right now… And could soon shoot to the moon, handing early investors a windfall.Click here now for the full details of this stock that’s set to rocket in the AI revolution… About Citizens Financial Services Stock (NASDAQ:CZFS)Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.Read More CZFS Stock Price History View Price History Chart DataSkip Price History Chart 30 days | 90 days | 365 days | Advanced Chart CZFS Stock News HeadlinesApril 19, 2024 | markets.businessinsider.comBuy Rating Reaffirmed for Citizens Financial with Increased Target Price Amid Positive Financial OutlookApril 18, 2024 | markets.businessinsider.comCitizens Financial (CFG) Receives a Hold from KBWApril 24, 2024 | Traders Agency (Ad)top AI stock (it’s not MSFT, GOOGL, AMZN or AAPL)AI was by far the biggest tech investing trend right now. But Ross Givens says the #1 artificial intelligence stock[/lin] is NOT Microsoft, Google, Amazon or Apple. Nope — his research is pointing to a tiny, under-the-radar stock that’s trading for just a few dollars right now… And could soon shoot to the moon, handing early investors a windfall.April 18, 2024 | insidermonkey.comCitizens Financial Group, Inc. (NYSE:CFG) Q1 2024 Earnings Call TranscriptApril 18, 2024 | benzinga.comCitizens Financial Group Stock: A Deep Dive Into Analyst Perspectives (6 Ratings)April 17, 2024 | benzinga.comCitizens Financial Broadly Affirms FY24 Forecast Post Mixed Q1 Results: DetailsMarch 29, 2024 | yahoo.comWhat is Citizens Bank Park's bag policy? Bag rules for 2024 season, explainedMarch 14, 2024 | news.yahoo.comConstitution defines citizens' rights in other states and 'republican' form of governmentApril 24, 2024 | Traders Agency (Ad)top AI stock (it’s not MSFT, GOOGL, AMZN or AAPL)AI was by far the biggest tech investing trend right now. But Ross Givens says the #1 artificial intelligence stock[/lin] is NOT Microsoft, Google, Amazon or Apple. Nope — his research is pointing to a tiny, under-the-radar stock that’s trading for just a few dollars right now… And could soon shoot to the moon, handing early investors a windfall.March 6, 2024 | newsweek.comCitizens Bank Savings Account Interest Rates: March 2024March 6, 2024 | cnn.comCitizens Financial Services, Inc.February 24, 2024 | msn.comCitizens Community Bancorp (CZWI) Price Target Increased by 14.58% to 14.03February 3, 2024 | msn.comApplications open for the 2024 City of Wichita Falls Citizens AcademyJanuary 23, 2024 | investing.comCitizens Financial Group Inc (CFG)January 18, 2024 | realmoney.thestreet.comCitizens Financial price target raised by $2 at BofA, here's whyDecember 13, 2023 | msn.comCitizens Financial Services goes ex-dividend tomorrowDecember 9, 2023 | finance.yahoo.comIs It Smart To Buy Citizens Financial Services, Inc. (NASDAQ:CZFS) Before It Goes Ex-Dividend?December 7, 2023 | msn.comCitizens Financial (CFG) Eyes to Enhance Private CreditOctober 30, 2023 | bizjournals.comTruMark acquires 8-person commercial lending team led by Daniel KrewsonOctober 23, 2023 | markets.businessinsider.comCitizens Financial Services Q3 EPS DeclinesSeptember 11, 2023 | msn.comCitizens Financial to reduce FHLB funding, discusses balance sheet planSeptember 11, 2023 | benzinga.comCitizens Financial Servs's Ex-Dividend Date Is Thursday, Here's What You Need To KnowSeptember 9, 2023 | finance.yahoo.comCitizens Financial Services (NASDAQ:CZFS) Could Be A Buy For Its Upcoming DividendAugust 29, 2023 | finance.yahoo.comShareholders in Citizens Financial Services (NASDAQ:CZFS) are in the red if they invested a year agoAugust 21, 2023 | bizjournals.comBob Marino to depart Citizens Financial Services two months after HV Bancorp acquisitionAugust 21, 2023 | msn.comCitizens Financial: Attractively Valued And Offering A Solid 6% YieldJuly 21, 2023 | reuters.comFactbox: U.S. banks increase reserves for commercial real estate exposureSee More Headlines Receive CZFS Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Citizens Financial Services and its competitors with MarketBeat's FREE daily newsletter. Email Address Company Calendar Last Earnings1/30/2024Ex-Dividend for 3/29 Dividend3/14/2024Dividend Payable3/29/2024Today4/24/2024Next Earnings (Estimated)4/25/2024Fiscal Year End12/31/2024Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry State commercial banks Sub-IndustryN/A Current SymbolNASDAQ:CZFS CUSIPN/A CIK739421 Webwww.firstcitizensbank.com Phone(570) 662-2121Fax570-662-2365Employees395Year FoundedN/AProfitability EPS (Most Recent Fiscal Year)$3.9129 Trailing P/E Ratio11.10 Forward P/E Ratio6.53 P/E GrowthN/ANet Income$17.81 million Net Margins12.83% Pretax Margin15.51% Return on Equity11.08% Return on Assets1.01% Debt Debt-to-Equity Ratio1.15 Current Ratio0.99 Quick Ratio0.99 Sales & Book Value Annual Sales$138.72 million Price / Sales1.47 Cash Flow$5.21 per share Price / Cash Flow8.34 Book Value$59.43 per share Price / Book0.73Miscellaneous Outstanding Shares4,710,000Free Float4,429,000Market Cap$204.56 million OptionableNot Optionable Beta0.34 20 Stocks to Sell NowMarketBeat has just released its list of 20 stocks that Wall Street analysts hate. These companies may appear to have good fundamentals, but top analysts smell something seriously rotten. Are any of these companies lurking around your portfolio? Find out by clicking the link below.Get This Free Report Key ExecutivesMr. Randall E. Black (Age 57)Vice Chairman, President & CEO Comp: $665.33kMr. Mickey L. Jones CPA (Age 63)Executive VP, COO, Treasurer, Assistant Secretary & Director Comp: $402.78kMr. Stephen J. Guillaume (Age 47)Executive VP & CFO Comp: $174.22kMs. Kathleen M. Campbell CFMP (Age 63)Senior VP, CFMP & Director of Marketing of First Citizens National Bank Comp: $109.5kMs. Cynthia T. Pazzaglia (Age 65)Senior Vice President of Human Resources Marina Smalanaskas (Age 52)Senior VP & Southcentral Market Executive Mr. Anthony ManerchiaSenior VP & Chief Banking OfficerMs. Gina Marie BoorCorporate SecretaryMr. Jeffrey L. Wilson (Age 62)Executive VP & Chief Lending Officer of First Citizens Community Bank Comp: $213.98kMr. Jeffrey B. Carr (Age 54)Senior VP & Chief Retail Banking Officer of First Citizens Community Bank Comp: $153.64kMore ExecutivesKey CompetitorsChemung FinancialNASDAQ:CHMGUSCB FinancialNASDAQ:USCBOak Valley BancorpNASDAQ:OVLYSignature BankNASDAQ:SBNYFVCBankcorpNASDAQ:FVCBView All CompetitorsInsidersRandall E BlackBought 400 shares on 2/20/2024Total: $19,200.00 ($48.00/share)R Joseph LandyBought 768 shares on 10/27/2023Total: $36,472.32 ($47.49/share)Stephen J GuillaumeBought 500 shares on 10/25/2023Total: $22,125.00 ($44.25/share)Robert Joseph MarinoSold 2,263 sharesTotal: $104,686.38 ($46.26/share)Robert Joseph MarinoSold 535 sharesTotal: $26,215.00 ($49.00/share)View All Insider Transactions CZFS Stock Analysis - Frequently Asked Questions Should I buy or sell Citizens Financial Services stock right now? 1 Wall Street equities research analysts have issued "buy," "hold," and "sell" ratings for Citizens Financial Services in the last twelve months. There are currently 1 hold rating for the stock. The consensus among Wall Street equities research analysts is that investors should "hold" CZFS shares. A hold rating indicates that analysts believe investors should maintain any existing positions they have in CZFS, but not buy additional shares or sell existing shares. View CZFS analyst ratings or view top-rated stocks. How have CZFS shares performed in 2024? Citizens Financial Services' stock was trading at $64.72 on January 1st, 2024. Since then, CZFS stock has decreased by 32.9% and is now trading at $43.43. View the best growth stocks for 2024 here. Are investors shorting Citizens Financial Services? Citizens Financial Services saw a decrease in short interest during the month of March. As of March 31st, there was short interest totaling 25,000 shares, a decrease of 23.5% from the March 15th total of 32,700 shares. Based on an average trading volume of 6,100 shares, the days-to-cover ratio is currently 4.1 days. Currently, 0.6% of the company's shares are short sold. View Citizens Financial Services' Short Interest. When is Citizens Financial Services' next earnings date? The company is scheduled to release its next quarterly earnings announcement on Thursday, April 25th 2024. View our CZFS earnings forecast. How were Citizens Financial Services' earnings last quarter? Citizens Financial Services, Inc. (NASDAQ:CZFS) released its quarterly earnings results on Tuesday, January, 30th. The company reported $1.60 EPS for the quarter, missing analysts' consensus estimates of $1.62 by $0.02. The business earned $25.34 million during the quarter, compared to the consensus estimate of $27.80 million. Citizens Financial Services had a net margin of 12.83% and a trailing twelve-month return on equity of 11.08%. How often does Citizens Financial Services pay dividends? What is the dividend yield for Citizens Financial Services? Citizens Financial Services announced a quarterly dividend on Tuesday, March 5th. Stockholders of record on Friday, March 15th will be given a dividend of $0.49 per share on Friday, March 29th. This represents a $1.96 dividend on an annualized basis and a yield of 4.51%. The ex-dividend date of this dividend is Thursday, March 14th. Read our dividend analysis for CZFS. Is Citizens Financial Services a good dividend stock? Citizens Financial Services (NASDAQ:CZFS) pays an annual dividend of $1.96 per share and currently has a dividend yield of 4.40%. CZFS has a dividend yield higher than 75% of all dividend-paying stocks, making it a leading dividend payer. The company has been increasing its dividend for 3 consecutive year(s), indicating that it does not yet have a strong track record of dividend growth. The dividend payout ratio is 50.09%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, CZFS will have a dividend payout ratio of 27.61% next year. This indicates that the company will be able to sustain or increase its dividend. Read our dividend analysis for CZFS. How do I buy shares of Citizens Financial Services? Shares of CZFS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. Compare Top Brokerages Here. This page (NASDAQ:CZFS) was last updated on 4/24/2024 by MarketBeat.com Staff From Our PartnersThis Apple-like Innovator is Revolutionizing HealthcareWall Street StarRed Alert: Your Money's Disappearance Act - Banks' Greed Unleashed!Priority Goldtop AI stock (it’s not MSFT, GOOGL, AMZN or AAPL)Traders AgencyDid You Get Your Free Bitcoin Yet?Crypto Swap ProfitsForget Bitcoin. 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